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翁止熄痒老公死了三年_尽情释放你的欲望与激情。
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翁止熄痒老公死了三年_尽情释放你的欲望与激情。

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  每经记者李玉雯 

  “长贷短还”是当前4S店内销售人员吸引客户贷款购车的常用话术,在“高息高返”行业潜规则下,部分经销商为了促进销售,会将银行给予的车贷返佣作为补贴,同时诱导客户在达到违约金豁免期后提前还款,以实现贷款购车相较于全款购车更为划算的目的。

  眼下这套模式或将生变。记者获悉,浙江省内已有银行对车贷的提前还款政策进行调整。今日(4月16日),在记者以客户身份咨询的过程中,农行杭州某支行工作人员表示,之前5年期的车贷在满2年后提前还款便不需要收取违约金,而现在需要满3年后才可豁免违约金。若是未满3年提前还款,则会按照剩余本金的5%收取违约金。

  有银行调整车贷提前还款规则,存量业务不受影响

  当记者咨询车贷提前还款政策调整的实施范围时,前述农行工作人员告知:“浙江省内的农行都是同样的政策。”

  另一位农行工作人员表示,存量车贷业务不受此次调整影响。

  当前市面上的车贷业务以3年期或5年期最为常见,其中5年期贷款通常在满2年后便可提前还款且不需要支付违约金。

  从记者咨询的情况来看,浙江当地的银行尚未集体行动调整车贷还款规则。建行杭州某支行负责车贷业务的工作人员表示,按照建行杭州分行现行政策,3年期和5年期的车贷在满2年后提前还款均可免除违约金,未满2年提前还款则会按未偿本金的5%收取违约金。

  有4S店的工作人员表示也听说了这一消息,可能之后还款政策会有所调整,但目前还是来得及“做两年的”。

  博通咨询首席分析师王蓬博在接受每经记者微信采访时表示,免违约金期限由“满2年”改为“满3年”,银行此番调整是为了稳住利息收入,通过延长还贷期限使得银行在较长时间内能够细水长流地获得一笔稳定收入。

  他同时提到,贷款购车降低了购买门槛,一定程度上有利于刺激消费市场潜力。而提前还款模式改变后,部分消费者可能会综合考虑对比全款购车的成本,对于汽车经销商而言,其盈利模式也或将有所改变。

  “高息高返”面临严监管

  贷款购车如今已然成为4S店消费者的主流支付方式。相较于全款购车,贷款购车可以拿到更为优惠的价格。

  这背后蕴藏着汽车金融市场“高息高返”的潜规则,通常是指商业银行与汽车经销商在合作拓展业务时,银行以高额返佣吸引经销商向客户推荐其车贷产品,经销商为了促进销售,会将部分佣金作为车价补贴,以此降低购车总价。

  同时,部分经销商会利用各家银行可提前还款的规则,向客户推荐“长贷短还”的营销方案,比如5年期车贷满两年后提前还款可免违约金,客户在提前还款后,算上此前支付的利息依然会比全款便宜。

  如此模式之下,银行的利润受到明显压缩,同时也不利于构建健康的金融市场竞争秩序。可以看到的是,行业正在做出改变。

  去年11月,上海市银行同业公会、上海市汽车销售行业协会和上海市融资租赁行业协会共同制定并发布的《推动本市汽车金融业务持续健康发展的倡议书》提及,金融机构不以支付高额佣金的方式引导汽车经销商向消费者强制推销汽车金融产品,或诱导消费者选择高佣金汽车金融产品。规范佣金支付方面,在合同或协议中明确如消费者提前还款时,汽车经销商应当退回相应佣金。

  今年1月,重庆金融监管局发布的《关于进一步规范汽车金融业务促进汽车消费市场平稳健康发展的通知》提及,相关金融机构要推进汽车贷款业务“高息高返”整改,对照行业自律要求全面清理存量业务。

  记者注意到,在银行业整体息差承压的背景下,不少银行机构在汽车金融领域频频发力,将其打造为零售业务的新增长点。

  例如,截至2024年末,平安银行汽车金融贷款余额2937.95亿元,去年全年个人新能源汽车贷款新发放637.68亿元,同比增长73.3%。该行在年报中表示,通过升级汽车消费金融产品与服务体系,满足客户的一站式汽车金融需求。其中包括大力发展新能源汽车贷款业务,推动二手车贷款业务稳健发展,同时优化线上平台运营能力,围绕车主客群的购车、换车、用车等需求,丰富平安口袋银行App车主生活频道,提供多样化的车金融、车生活服务。

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